If you are searching for Houston TX Commercial Auto Insurance, give Texas Insurance Agency a call. We have a team of independent insurance brokers that are dedicated to helping you find the right personal or commercial policy to fit your coverage requirements. Moreover, we work with the best of the best in the insurance industry, so you can trust the coverage you purchase.
Texas Insurance Agency has been offering insurance services to the Greater Houston community for over two decades. In that time, we have helped thousands of satisfied clients purchase an insurance policy. Our ultimate mission is to assist each client with finding a policy that offers financial assistance when the unexpected happens.
If you are a small business owner with one or more vehicles that are used for that business, then you will be required to purchase Houston TX Commercial Auto Insurance. This policy protects you and your employees from the liability that comes with an accident. Your coverage depends on choosing the right policy, so don’t hesitate to give our agents a call!
Things to Know About Houston TX Commercial Auto Insurance:
Customize Your Coverage
The good news about most auto insurance policies is that they can be customized to fit your coverage requirements and preferences. Every auto insurance company is required to provide specific coverage under state law. This coverage is packaged into policies like comprehensive coverage, liability only, and so forth.
When you shop for an auto policy, have an idea of what type of coverage you would like. If you own a business and are looking for commercial auto insurance specifically, consult with your agent about which policies customization might be right for you.
For instance, your policy coverage will likely depend on factors like your fleet size, the number of insureds (employees covered in this policy), and claims history. Keep in mind that you may want to have a process for vetting those employees that you are considering as an addition to the list of insureds on your policy.
If you allow a bad driver to get behind the wheel of your vehicle, you are liable for their actions. To avoid unnecessary claims and accidents, having a process is the way to go. Additionally, offering a discounted or fully-covered defensive driving course is a great way to earn discounts on your policy.
Minimum Coverage Requirements in the State of Texas
As stated previously, every state has specific coverage requirements when it comes to auto insurance. Texas requires its drivers to maintain a policy that includes:
- Bodily injury liability- $30,000/person, $60,000/accident
- Property damage liability: $25,000/accident
Other optional coverage includes:
- Uninsured/underinsured motorist and property damage coverage
- Personal injury protection
- Medical benefits
Most states require drivers to have a policy that includes at least the minimum liability coverage. However, some states extend those requirements to include uninsured motorist coverage, personal injury protection, and medical benefits. Knowing your state’s requirements is important because having no insurance or being underinsured can result in penalties, fines, and significant financial consequences in the event of an accident.
Be on the Lookout for Excellent Discounts!
The thought of paying premiums for business auto coverage can be overwhelming if you own and operate a small business. However, the good news is that your insurance company wants to give you discounts! They, as an insurance company, offer you incentives and discounts for things like safe driving, defensive driving certifications, remaining accident-free for a period of time, and good driving.
Furthermore, as part of discount programs, most car insurance agencies will have special Bluetooth devices that you install in your vehicle. These devices record things like braking, speeding, and so forth, all of which factor into how much of a discount you receive.
The best course to take is to avoid an accident altogether. Although the right insurance policy will cover you financially in most aspects, an accident will set you back in other ways. For one, if the vehicle has significant damage or is totaled, you are looking at having to replace it.
Moreover, there is the likelihood that you will be dealing with employee leave as a result of injury. Consult with your insurance agent for more information about how you can earn discounts on your commercial auto insurance coverage.
Personal vs. Commercial Coverage
Personal auto and Texas commercial auto insurance are two slightly different types of policies. Personal auto insurance covers your personal vehicle and offers the same type of coverage as commercial auto insurance. However, it will only cover the business use of your personal vehicle up to a certain point. Some policies will exclude this coverage altogether.
Therefore, it is best to get a commercial auto policy so that your financial liability is covered in the event of an accident. Don’t let a simple difference in coverage cause financial hardship for your business in the future.
Purchasing a commercial auto policy protects the future of your company. Although there might be a slight difference in the price point of your policy, it will not be enough of a difference to make a personal auto policy any cheaper. And, remember that there are plenty of discounts and incentives for your policy!
Types of Commercial Auto Coverage
General liability auto coverage includes damage that occurs to a third-party vehicle. This coverage is applicable when you are at fault for the accident. It covers your liability for the accident and offers financial coverage for both property damage and bodily injury. Liability coverage is often a requirement by state law.
A comprehensive auto insurance policy provides coverage for property damage and personal injury whether the wreck is your fault or not. If the other party is at fault, their insurance will cover you. However, some drivers neglect to purchase insurance or are underinsured. When that happens, your comprehensive insurance policy will typically step in and cover the difference.
Houston TX Commercial Auto Insurance
For more information about Texas Insurance Agency, visit our website! There, you can also access our blog, location page and even request a free quote. Call Texas Insurance Agency for your Houston TX Commercial Auto Insurance!
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